Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$482,625Cash toward the purchase price.
Closing costs + prepaids$12,782Not just lender fees.
Before credits & paid funds$495,406The complete starting cash picture.
Estimated remaining funds due at closing
$495,406No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$482,624.86
Your down payment$482,624.86
Closing costs + prepaids$12,781.61
Total buyer cash needed$495,406.48
Remaining funds due$495,406.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$826.50
Initial HOA (3 months)$405.00
Prepaid interest, first (31 days)$85.11
Fees + prepaids$12,781.61
Your down payment is the seller’s equity. You take over the $16,375 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $495,406.48 is due at closing. Uses and sources reconcile at $511,781.61 each. Not a Closing Disclosure.